Texas Mortgage Calculator
Estimate your monthly payment in Texas — including property tax (1.6% effective rate), home insurance, and PMI. Pre-filled with Texas averages for 2026.
= $60,000 down
See pre-qualified rates from Texas lenders without affecting your credit.
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Mortgage costs in Texas
The average Texas homeowner pays roughly $400/month in property tax on a median-priced home, plus about $325/month in home insurance. Property tax is billed by your county — actual rates vary from the state average, so check your county assessor's site for exact figures.
How much house can I afford in Texas?
A common rule is to keep total housing costs (PITI) under 28% of gross monthly income. At current rates, buying the median Texas home ($300,000) with 20% down requires roughly $97,784 in annual income.